Registration

The user, by clicking accept button for the terms of use of the mobile application/ web-page of the insurer, namely JSC “Risk Management and Insurance Company Global Benefits Georgia” (hereinafter the “Benefits”), confirms that they have read and agree to the terms of use of insurance and the mobile application/web-page of Benefits.

• 1. General Terms and Conditions:
  Verification of Personal Information

  - The user agrees that, for insurance purposes and to the extent necessary, Benefits verifies the personal information of the user for all necessary and relevant purposes.
  - The user agrees that, for the purpose of vehicle insurance and to the extent necessary, Benefits verifies the information about the vehicle specified in the application in all necessary and relevant databases (including, but not limited to, the central database of the Service Agency of Ministry of Internal Affairs).
  - The user agrees that Benefits processes his/her personal data for the purpose of insurance and to the extent necessary.
  - Benefits is authorized to process personal data obtained for insurance purposes:
  a) in order to provide insurance services;
  b) to protect the interests of the assurer in the case of non-fulfillment of the obligations undertaken by the insurer; and
  c) to request any information and documentation related to the insurance case, including from any private or public institution, for settling of damage claims.
  d) to determine the double insurance of the insured, and if any, distribute the amount of indemnity with another insurance company, for the purpose of identifying double insurance.
  
  - Benefits has the right to process personal information provided by the user in order to offer new insurance products and services, including for the purpose of direct marketing. The data subject has the right to demand at any time that the insurer stops using his/her personal data for direct marketing purposes in the same manner as direct marketing is conducted – by applying the insurer in writing or via telecommunications.

• 2. Receiving notifications

  - The user agrees to receive phone SMS messages and/or e-mails at the addresses specified by him/her in the application, for the purpose of high standard of user services and insurance interests. A message (e-mail and/or short text message) sent according to the data provided by the user shall be deemed as officially received.
  
  - The insurer shall send notifications to the assurer at the actual residential address and the e-mail address specified by the latter in the application (if any) or the insurance policy, or notice of change of address, at the last address notified to the insurer in accordance with the procedures under these terms and conditions. Any message/correspondence sent to such address shall be considered received by the assurer, even if the addressee no longer resides and/or is not present at that address or if the address was incorrectly provided to the insurer.
  - Benefits has the right to verify and determine whether the information provided by the user is accurate and complies with the insurance agreement. In the event of non-compliance, Benefits have the right to act in accordance with the procedure under the insurance agreement and/or annul the electronic registration/ application without any prior notice.

• 3. Changes and amendment to the terms and conditions

  - Benefits reserves the right to unilaterally, without prior notice to the user, make changes and amendments to the terms and conditions of the electronic website. The subsequent use of the website by the user will be considered as acceptance of the changes and amendments.

• 4. Confidentiality

  - Any information provided by the parties to each other in any form (in verbal or in written form) shall be considered confidential and may not be disclosed to a third party without the prior consent of the other party, except for cases provided for by the applicable legislation of Georgia, and these terms and conditions.

• 5. Additional provision

  - All elements on the website of Benefits are the property of Benefits, including, but not limited to as follows: design elements and features, logos, text, graphical images, programs, illustrations, and any other types of elements. Accordingly, subject to the conditions established by Georgian legislation, it is prohibited to: copy, process, distribute, publish, upload, transmit, sell, or otherwise use the content or any part thereof without the written permission of Benefits.

• If the insured expresses his/ her consent to the above terms and conditions on a single basis, the consent shall be considered as expressed for an unlimited period, and such consent will not be required each time when using the mobile application/ web-page.